St Louis Temporary Disability Specialists
If you suffered an accident or illness that prohibits you from working, you might be eligible for temporary disability in Missouri. Here are the details.
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How to Apply for Temporary Disability in Missouri
Temporary Disability in Missouri is a type of insurance granted for a limited time. It’s usually provided for a period of time that will allow the claimant to recover from their injury and get back to work. To be eligible for Temporary Total Disability (TTD), you must have suffered an injury or illness that has left you unable to do your job or even modified duty work. The following are some of the requirements:
You must have been employed and have worked at least 20 hours in the last month before your injury or illness occurred.
You must be non-disabled enough to return to your job within 12 months.
You cannot qualify if you already receive Social Security Disability benefits, long-term disability benefits, or unemployment compensation.
You cannot qualify if you are receiving workers’ compensation benefits.
In Missouri, disability applications are processed through the Social Security Administration.
How Long Until You Get Disability Benefits in MO?
When you cannot work, getting your disability benefits promptly is necessary. For approximately the first three business days that you cannot work, compensation will be held. This time is referred to as the “waiting period” and will be reimbursed once you are approved to receive TTD benefits for over 14 days.
Your workers’ compensation insurance pays medical bills and disability payments. If you don’t receive payments in a reasonable amount of time, you should contact your insurance agent, employer, or an attorney familiar with workers’ compensation law.
There are two main steps to receiving your disability benefits: you must be approved for disability, and then SSI or SSA will determine your monthly benefit. Most people find it helpful to hire workers’ compensation lawyers to help them get the maximum monthly benefits.
Confused about Temporary Disability in Missouri? We are here to answer your questions.
Qualifications for Temporary Disability in Missouri
You may wonder what types of injuries qualify you for temporary disability in Missouri. Missouri law defines temporary disability as a physical or mental disability that prevents one from engaging in the usual occupation and is expected to last no more than 12 months. Temporary disabilities are typically caused by an illness, injury, pregnancy or childbirth, or other medical conditions.
A disability is a physical or mental condition that limits someone’s ability to do everyday activities. The Social Security Administration (SSA) and the Department of Labor (DOL) have created guidelines that outline which conditions qualify for disability benefits. Since the nature of the cause of your disability may be complex, you might have additional options available to help you afford maximum medical improvement before returning to work.
For example, if your injury is caused by an auto accident, you may require the assistance of a car accident attorney to help you determine who was at fault. It is possible that by hiring the right legal advisor, you would be able to secure funds to which you are entitled that you would be unaware otherwise, especially if you are totally disabled.
What Are the Benefits of Temporary Disability in Missouri?
Temporary Disability in Missouri provides income protection to individuals who cannot work due to an illness or injury. It can give an injured or sick person peace of mind that their family will have some income during a difficult time.
This type of insurance typically lasts for a maximum of 26 weeks, and then the individual must return to work or purchase long-term disability insurance. In Missouri, the average monthly disability pay depends on the state’s average weekly wage the individual made prior to the medical condition.
To ensure you receive the maximum amount to which you are entitled, you should consult an experienced law firm like Buchanan, Williams & O’Brien. Call now for a free consultation.